to a government crippled by international aid shortfalls and the obama administration last month unfroze hundreds of millions in assistance to the overnment of president mahmoud abbas that had been held up by kong. diane, democratic caller. are you saving for retirement? caller: i am. i had my money in the stock market when it crashed. i was very aggressive, because i was 45 -- between 45 and 50, and i thought i could be aggressive, because i was managing my own money and i lost almost all of my money in the stock market. it was really a bad thing. so i'm a realtor, so when i get money now, i set up an i.r.a. for myself, but i don't put it in the stock market. i put anytime something called lending club. so i put a little bit of money in there first to see what, you know, how it was and how it would go. and it went really well, so i dumped all my money in there and watched it grow. it's an amazing program. i hear a lot of people fearful about the stock market, and i can see why. host: diane, how do those lending clubs work? >> lending clubs, what it does is loan money to anybody that needs money.